Call reports 2003
CASS COUNTY BANK, INC — 2003
What CASS COUNTY BANK, INC reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 44,034,000 | 48,846,000 | 50,823,000 | 50,273,000 |
| Total loans | 25,585,000 | 27,957,000 | 27,386,000 | 26,520,000 |
| Allowance for loan losses | 217,000 | 229,000 | 240,000 | 251,000 |
| Securities available for sale | 6,215,000 | 9,153,000 | 12,988,000 | 10,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,210,000 | 44,892,000 | 46,820,000 | 46,309,000 |
| Interest-bearing deposits | 37,838,000 | 40,838,000 | 43,094,000 | 42,863,000 |
| Noninterest-bearing deposits | 2,372,000 | 4,054,000 | 3,726,000 | 3,446,000 |
| Equity capital | 3,517,000 | 3,642,000 | 3,695,000 | 3,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,604,000 | 2,110,000 | 2,614,000 |
| Interest expense | 242,000 | 490,000 | 738,000 | 974,000 |
| Net interest income | 528,000 | 1,114,000 | 1,372,000 | 1,640,000 |
| Noninterest income | 48,000 | 103,000 | 549,000 | 827,000 |
| Noninterest expense | 402,000 | 860,000 | 1,340,000 | 1,787,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 162,000 | 333,000 | 545,000 | 632,000 |
| Income tax | 43,000 | 100,000 | 171,000 | 226,000 |
| Net income | 119,000 | 233,000 | 374,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,474,000 | 3,588,000 | 3,709,000 | 3,740,000 |
| Total capital | 3,691,000 | 3,817,000 | 3,949,000 | 3,991,000 |
| Risk-weighted assets | 23,984,000 | 26,328,000 | 26,540,000 | 27,046,000 |